Honda Civic Insurance Rates

Honda Civic insurance rates change from driver to driver, but average insurance rates for a Honda Civic are $1,536 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. 

For example, 2005 Honda Civic insurance rates are likely more affordable than 2009 Honda Civic insurance rates.

In order to help you secure an affordable Honda Civic auto insurance policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally discover the average insurance cost before you buy Honda Civic auto insurance.

You can even start comparing Honda Civic auto insurance quotes from multiple companies by entering your ZIP code into our free tool.

Estimated insurance rates for a Honda Civic are $1,518 a year including full coverage. Comprehensive insurance costs on average $268, collision costs $630, and liability costs around $440. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing $3,326 or more. Teen drivers pay the most at $5,796 a year or more.

Average premium for full coverage: $1,518

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Civic models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than larger metro areas.

The example below illustrates how location impacts car insurance rates.

These rate differences highlight why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Honda Civic insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $862
• Using higher $1,000 deductibles will save around $202 every year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,518
• Choosing pricier low deductibles for physical damage coverage will cost an extra $402 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,326 or more
• An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $5,796 or more

View Chart as Image

Insurance prices for a Honda Civic also have a wide range based on your driving characteristics, the model of your Civic, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay upwards of $5,700 a year. View Rates by Age

Where you choose to live has a huge impact on Honda Civic insurance prices. A driver around age 40 might see prices as low as $1,170 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,170 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $610 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Honda Civic insurance for high-risk drivers can be from 43% to 132% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, so the prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Low Cost Honda Civic Insurance

Finding better rates on insurance for a Honda Civic requires being a low-risk driver, maintaining good credit, refrain from filing small claims, and bundling your home and auto policies. Spend time shopping around at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the data touched on above.

• Insureds who require more liability coverage will pay about $480 per year to increase from 30/60 bodily injury limits to 250/500 limits
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $600 each year
• Teen drivers pay the highest prices, with the cost nearing $483 per month for full coverage

Now that you have a better understanding of how Honda Civic car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Honda Civic insurance costs from multiple companies.

What are the safety ratings of the Honda Civic?

The safety ratings of the Honda Civic are important to know because positive scores translate to lower insurance rates.

Take a look at the Honda Civic’s crash test ratings as determined by the Insurance Insitute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

These results indicate that the Honda Civic received the highest mark possible in every crash test. That’s very impressive for a small car.

Honda Civic Compared Against Other Vehicles in the Same Class

Since the IIHS classifies the Honda Civic as a small four-door sedan, there is plenty of competition in this vehicle segment. 

Take a look at the following models that are comparable to the Honda Civic to see what average insurance rates look like:

• Nissan Sentra
• Hyundai Elantra
• Toyota Prius

While the preceding three sedans also show favorable insurance rates, the Honda Civic reflects a bodily injury loss percentage of 29 percent and a property damage loss percentage of 11 percent. Both are considered a little above average for this vehicle class. Make sure to ask your provider about to file Honda Civic auto insurance claims in the event of a collision.

We have uncovered a lot of information about the Honda Civic, so is there anything we might’ve missed? If not, start comparing Honda Civic insurance rates from multiple companies by using our free online quote tool.